FOR THE QUARTER ENDED 31ST MARCH 2005

				(AMOUNT IN MILLION SHILLINGS)
				Current	Previous	Current year	Previous year
				quarter	quarter	Cumulative	Cummulative
				ending 31.03.2005	ending 31.12.2004	ending 31.03.2005	ending 31.03.2004
1	Interest Income			7,839	7,264	7,839	6,256
2	Interest Expense			(637)	(555)	(637)	(473)
3	Net Interest Income			7,202	6,709	7,202	5,783
4	Bad Debts Written Off			-	-	-	-
5	Provision For Bad & Doubtful Debts			241	685	241	(311)
6	Non Interest Income:			5,496	6,548	5,496	4,760
	6.1 Foreign Exchange Profit/(Loss)			2,402	2,320	2,402	1,959
	6.2 Commissions And Fees			3,094	4,228	3,094	2,801
7	Non Interest Expense			(7,312)	(7,030)	(7,312)	(6,661)
8	Losses/(Recoveries) on behalf  of the Government			(643)	(1,339)	(643)	(9)
	of Tanzania
9	Operating Income Before Tax			4,984	5,573	4,984	3,562
	and Extraordinary Items
10	Extraordinary Gains (Losses)			-	-	-	-
11	Income Tax Provisions			(1,533)	(1,880)	(1,533)	(962)
12	Profits attributable to shareholders			3,451	3,693	3,451	2,600
	Number Of Employees			789	794	789	805
	PERFORMANCE INDICATORS
	(i) Return on average total assets			3%	3%	3%	2%
	(ii) Return on ordinary Shareholders' Funds			32%	38%	32%	28%
	(iii)Non interest expense to gross income			55%	51%	55%	60%
	(iv) Interest margin to average interest earning assets			8%	8%	8%	7%